Chicago, IL · Charter 2495
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
2
Profitability
48
Liquidity
81
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chicago, IL · Charter 2495
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.95% | 1.16% | 0.21% | 0.13% | -79 bps | |
| Return on Equity | 1.77% | 1.67% | 2.03% | 0.38% | 0.23% | -153 bps | |
| Net Interest Margin | 4.59% | 4.99% | 5.10% | 5.01% | 5.13% | +54 bps | |
| Efficiency Ratio | 82.26% | 80.59% | 75.58% | 69.35% | 76.67% | -559 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.19% | -8.22% | -6.56% | -7.00% | -7.51% | -732 bps | |
| Loan Growth (YoY) | 3.50% | 1.96% | 6.04% | 13.99% | 11.90% | +840 bps | |
| Share Growth (YoY) | -1.64% | -19.47% | -17.03% | -17.64% | -17.73% | -1,609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 20.94% | 18.03% | 17.53% | 16.95% | 18.59% | -235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.26% | 7.81% | 8.15% | 10.18% | 8.83% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 52.01% | 56.75% | 57.24% | 56.50% | 56.85% | +484 bps | |
| Net Worth / Assets | 52.01% | 56.75% | 57.24% | 56.50% | 56.85% | +484 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.76% | 38.63% | 44.93% | 44.92% | 43.19% | +1,144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 2495 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
0.14%
Rank 69 of 96
Net Interest Margin
5.13%
Rank 10 of 96
Efficiency Ratio
77.17%
Rank 39 of 96
Equity / Assets
56.86%
Rank 2 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | -0.02% | 0.42% | 1.03% | Beats 28% | 69 / 96 | |
| Return on Equity | 0.24% | -0.11% | 2.94% | 6.89% | Beats 26% | 70 / 95 | |
| Net Interest Margin | 5.13% | 3.01% | 3.57% | 4.27% | Beats 90% | 10 / 96 | |
| Efficiency Ratio | 77.17% | 73.45% | 82.91% | 96.61% | Beats 60% | 39 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 18.53% | 0.08% | 0.86% | 1.63% | Beats 2% | 92 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 56.86% | 11.79% | 15.23% | 18.93% | Beats 98% | 2 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 56.86% | 11.79% | 15.23% | 18.93% | Beats 98% | 2 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.20% | 32.14% | 50.03% | 67.81% | 33rd pctl | 64 / 96 | |
| Loans / Assets | 18.04% | 23.12% | 42.50% | 56.24% | 16th pctl | 81 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||